National Geographic : 2009 May
advertisement Individual solutions from independent advisorsTM In today's We recognize that every investor is different. That's why Raymond James is committed to a culture of indepen- dence that enables nancial advisors to provide unbiased advice and tailor long-term plans based on your needs, not ours. Our advisors will work closely with you to develop a comprehensive nancial plan to help you reach your goals and realize your dreams. Maybe it's time you worked with a rm founded on conservative management and sound principles---plus the com- mitment to always put you rst. planning for retirement has never been more important---or more challenging. At Raymond James, we're dedicated to meeting that challenge, by listening to clients' concerns, identifying the issues they face and helping them develop effective solutions. Our financial advisors have the independence, experience and resources needed to focus on what best serves their clients---rather than on corporate quotas or proprietary products. In our view, this commitment to putting clients first has been, and continues to be, pivotal to the success of our clients and of our company. We believe keeping communications channels open between you and your financial advisor is critical to effective financial planning. That's especially true when significant changes in the market or in your life occur. At Raymond James, our financial advisors understand the importance of checking in with you regularly---and we encourage you to contact them with questions, changes or concerns as they arise. Effective client communications is one of our core precepts---and so is a principled, conservative approach to managing your assets. In our view, appropriate diversification and asset allocation are a critical part of your financial plan---a plan that balances your short-term, intermediate and long-term goals. That's why your Raymond James advisor works closely with you to understand your goals, resources, risk tolerance, investment time horizon, and income and liquidity needs before developing your financial plan. This ongoing collaboration means that your advisor is always up to date on what's most important to you and can help ensure that your financial plan remains aligned with your objectives. Given recent downturns in the financial markets, many investors have been tempted to "cut their losses" and move their money elsewhere. Effective financial planning should make such a dramatic move unnecessary---and help you escape the accompanying risk that you will miss the markets' subsequent turnaround. Your Raymond James advisor can help you avoid investing missteps based on emotion by developing an investment portfolio and plan designed with the flexibility to withstand ongoing market volatility. For more information on tailoring a financial plan to meet your specific needs, or for answers to other questions you may have, we encourage you to speak with a Raymond James advisor in your area. To locate an advisor near you, visit raymondjames.com. Asset allocation and diversification do not ensure a profit or protect against a loss. Investing involves risk and investors may incur a profit or a loss.